Home Purchase
Get organized before you shop, understand your numbers, and move with a stronger plan when the right home appears.
David Day · Loan Advisor · NMLS #1807709
Mortgage help for your next home, refinance, or slice of paradise.
Straightforward guidance for buyers, homeowners, and investors who want a clear path from questions to closing.
Loan Advisor
David Day
NMLS
#1807709
Email
d.day@hfmloans.com
Loan Options
Practical financing paths for real life.
Every borrower has a different timeline, property, income story, and goal. The point is to compare the right options early so the next step is obvious.
Refinance
Review whether a new loan structure could help with payment goals, cash flow, debt strategy, or long-term planning.
Vacation Homes
Explore financing for a second home, coastal property, or seasonal retreat with guidance on documentation and timing.
Investment Property
Look at rental-property financing considerations, reserves, down payment options, and the numbers that matter.
FHA, VA, USDA
Compare government-backed options when they may fit your eligibility, budget, or down-payment strategy.
Conventional Loans
Review common conventional paths for primary homes, second homes, and qualified investment purchases.
Latest Mortgage Guides
Make a more informed financing comparison.
Start with plain-English explanations of the payment structure, costs, and questions worth asking.
August 23, 2026
HELOC vs. fixed-rate second mortgage
Compare a reusable, usually variable-rate line with a closed-end second mortgage, including payments, costs, and common uses.
Read the second-mortgage guideAugust 20, 2026
Avoiding PMI with a first and second mortgage
Learn how qualified buyers can compare monthly PMI with the full cost of combined first- and second-lien financing.
Review the two-loan strategyUpdated August 23, 2026
FHA vs. VA vs. USDA loans
Compare eligibility, down payment, program fees, property rules, and the important differences between VA and USDA loans.
Compare government-backed loansHow It Works
A clear process from first call to closing table.
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1
Talk through the goal
Purchase, refinance, second home, investment property, timeline, budget, and what needs to happen next.
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2
Review options
Compare available loan paths, documentation needs, estimated payment structure, and next-step readiness.
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3
Apply securely
Use the online application when you are ready, then keep the file moving with organized communication.
Why Home Mortgage Guys
Human guidance, not a maze of mortgage jargon.
Plain-English answers before you commit.
Mobile-first contact when timing matters.
Purchase, refinance, second-home, and investment guidance.
Secure online application through Homestead Financial Mortgage.
Ready When You Are
Call David or start the application online.
For the fastest path, call or text the mobile number below. You can also email d.day@hfmloans.com. If you are ready to begin, use the secure application link.